SME Transformation Financing (SMETF)

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Assist businesses to transform through automation, digitalisation and ESG practices.

Financing Amount

RM100,000 – RM5million

Financing Rate

4% p.a. on monthly rest for Commercial Property
5% p.a. on monthly rest for Machinery & Equipment
6% p.a. on monthly rest for Working Capital

Margin of Financing

Up to 100%

Financing Item

Commercial Property
Machinery & Equipment
IT hardware & software
Working Capital
Factoring Facility

Tenure

Up to 10 years

Up to 7 years

Up to 6 years

Up to 150 days

Eligibility

SME incorporated under the Companies Act 1965, Companies Act 2016 or Registration of Business Ordinance 1956
Annual Sales or Turnover more than RM200,000
At least 60% equity held by Malaysians
Possesses valid business premise license by local authority
SMEs with shareholding not exceeding 20% held by public-listed companies (only if applicable)

Disclaimer: The information shown is indicative and for illustration only. MIDF does not guarantee the accuracy of the calculation and accepts no liability for any inaccuracies or omissions. The above do not represent an offer or approval of financing. All applications for financing are subject to MIDF’s credit evaluation and approval.

Basic Required Documents

Valid business license
CTC company form
CTC IC copy for all director/shareholders (front & back)
6 months bank statement
Latest annual return
Latest 3 years audited financial statement
Draft/latest management account

Note: Additional documents may be requested for credit assessment if necessary.

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SME Transformation Financing (SMETF)

Assist businesses to transform through automation, digitalisation and ESG practices.

Financing Amount

Financing Rate

Margin of Financing

Financing Item

Tenure

Eligibility

Basic Required Documents

Financing Calculator

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